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BankFodder BankFodder


BankFodder BankFodder


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About spinningfish

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  1. Hahaha!! Oh, DX, what the heck do I do? Direct to dealer? Tell finance company it's within six months, so onus is on dealer to prove? Help!!
  2. Exactly what I told them. Apparently their inspection will determine whether the fault was there at the point of sale...
  3. I've just had this emailed from CarMoney. I'm so confused, I really don't know what I'm supposed to be doing and with whom. "Apologies for the delay in response. I have spoken to Oodle regarding the complaint and unfortunatly, they would require an independent report to be carried out on the vehicle. The burden of proof would lie with yourself. I can certainly help by giving you the details of Scotia, who is the company that we use." Everything I've read says that I did the right thing by exercising my rights under the CRA 2015 with the dealer. That was done within the six-months, so the burden of proof should be on the dealer still? Or am I completely wrong??
  4. Thanks Andy. And as far as you can say, is the dealer misleading me by stating that he could only deal with CarMoney when I sent him the CRA 2015 letter, within the six-months?
  5. Just a point I've seen on Martin Lewis' website seems to suggest that Section 75 doesn't apply on a HP Agreement: "Hire purchase is not covered under Section 75, though the redress process is similar. If you have a complaint about something you bought using HP, try to resolve it with the supplier. It has obligations under the Supply of Goods (Implied Terms) Act to ensure that the goods are of satisfactory quality, and as described. If you can't resolve the complaint with the supplier, try the finance provider (the company you're making repayments to). It's also bound under the same Act to make things right with you, though what that actually means will depend on your complaint. If you're still not satisfied, you can take your complaint to the Financial Ombudsman."
  6. Good Morning DX Thanks for your reply. So, firstly, yes it is a Hire Purchase agreement. I have checked the contract this morning. And yes, they are fobbing me off with the nonsense about independent inspections etc, when the onus is on the retailer to prove the fault wasn't there at point of sale. So, the retailer has misinformed me regarding him only being able to deal with CarMoney?! I'm fuming about that. My family have had no car for weeks on that pretence. I did go to Jaguar first actually, as I didn't realise my rights, and despite the report, they only offered to pay for 25% of the repair cost as a 'goodwill gesture'. So, should I now correct my finance company, the dealer and write to the Credit Card Company? Many thanks!!
  7. Dear All Firstly, please accept my apologies for the lack of contact. I've been working in the Middle East for the last month and for whatever reason CAG was blocked on my hotel WiFi. So, you don't have to go through the whole thread again, here's a brief summary... Bought Jaguar XF from dealer on 16th February 2019 via finance arranged through CarMoney Ltd. Car failed entirely on the 5th August 2019 due to the long-term ingress of water into the Central Junction Box, corroding everything. Sent CRA letter to the dealership on August 14th 2019 - within six-months of purchase. Dealer eventually responded on 19th August 2019 stating that his receipt was with CarMoney Ltd and they had to deal with it. Emailed CarMoney on 19th August 2019 to state problem. No response. Flew to Middle East on 20th. Tried to ring CarMoney from Middle East, but number wouldn't work from there. Emailed CarMoney again on the 23rd August 2019. Again no response. In the meantime, got car taken into local Jaguar dealership for inspection and diagnostic. Report and breakdown of costs below: "Hi Mr Fish, The technician has checked the vehicle for the electrical failure faults which lead him to the central junction box located on the osf of the vehicle, carried out visual inspection and identified connector C3BP01G (BLUE) excessively corroded and internal Central junction box connection point corroded and in unserviceable condition, repair requires new engine harness and central junction box to repair, we suspect the corrosion has been caused by capillary effect from the washer pump unit, we would also replace the pump and level sensor as part of the repair. The breakdown is as follows: Labour 13.1 hours at the warranty rate of £86.85 total £1135.12 Parts required for repair: Fuse box £331.82 Pump £63.45 Sensor £14.87 Harness £806.26 Total for parts at warranty rate £1216.40 Total including VAT £2821.82. Regards Daniel Jacques Jaguar Service Manager" Arrived back from Middle East on Sunday 15th September 2019. Call CarMoney who haven't received my email because they have a spam filter that blocks "info@" email addresses. Of course, mine is an "info@" email address. Sent the email trail to show I had emailed them and they called me yesterday to say they would honour the six-months, because of the problems I'd been having emailing. Marvellous. Or so I thought... The nice chap at CarMoney said I would now have to notify the finance company, Oodle. They are just the broker. Right. Sent the whole email trail again. Explained that I'd served my CRA to the dealer within six-months. Dealer said contact CarMoney etc etc. No response, so have called Oodle this evening to be told that my claim is outside of the six-months. I explained that I'd contacted the dealer etc and problems emailing CarMoney etc. Sorry, can't help. Outside of six-months. Apparently they would have offered me a courtesy car too. They have advised me that I need to buy an independent assessment of my car from a company called ACE UK, who perform vehicle examinations and will be able to ascertain whether the problem existed when the car was sold. Apparently they won't accept Jaguar's report!! I've Googled ACE and am less than impressed with the views. So, my wife and kids have now been without the car for almost six-weeks now and I'm so confused as to my rights and whether I even have any anymore. Sorry to go on, but I'm so depressed with the whole saga. Thanks for all your help.
  8. Afternoon guys. Just received the following from the dealer I purchased from: Dear Mr Fish. Sorry to hear you are experiencing problems with your car. Unfortunately my contract of sale on this vehicle is with CarMoney Ltd and any issues or complaints will have to come from them. You can contact CarMoney on 0333 4564550 you will need your finance reference number for security. Kind regards David Wickes GCS Cars Ltd
  9. Exactly. I had absolutely no idea I had any recourse, hence me immediately turning to Jaguar.
  10. In fairness to myself, I didn't contact the original seller first, as I didn't realise I had any right to do so. The car was sold with three months free warranty and I thought that was my lot, hence getting in contact with my local Jaguar dealership first. Huge apologies for any confusion.
  11. Hi BankFodder I very much admire, and share, your passion for the 'little guy'! Just to clarify the timeline, and add the requested information, so there is no confusion: On February 16th 2019, I purchased the car from a general car dealer - GCS Cars in Thrapston. Paid partly by credit card, with the remainder on finance. Around ten days ago, the problem manifested itself and now the car does not drive. According to Google, it is a well-known and common fault, one that is known by Jaguar themselves as they have issued their dealerships with a Technical Bulletin and also designed new parts to repair the problem and have updated the troublesome windscreen pump to ensure that water does not seep into the Central Junction Box over time and corrode the Printed Circuit Board, which causes the total failure of the car. On the advice above, I emailed GCS Cars this morning to invoke my rights under the CRA, and have also sent the same letter by Special Delivery to arrive tomorrow. Also, on advice from above I have emailed the Jaguar CEO, as ultimately they know there's a fault, but do not take any responsibility for it. Jaguar are the only people to respond, asking that in the first instance, I try to contact the dealer I bought the car from (GCS), and if the response from them is unsatisfactory I can, at my cost, send the car to my local Jaguar dealership who will diagnose (again at my cost) and then potentially fix it for nothing (that's how I perceive it) as a 'gesture of goodwill'. I hope that clarifies things! Apologies if I was vague above.
  12. Thank BankFodder. It would be great to have a response to hit back at them with. Also, thanks to you King for all your help. I love this forum!
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